Empower Promo Codes

We regularly check the coupons and deals and update them when offer details change.

Checked October 2026

123 Coupon Reveals

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  • $100

    Promo

    Earn $100 Credit with Empower Referral Program

    17+

    People Viewed this Deal

  • SALE

    Promo

    Free Personal Dashboard - Track Your Finances

    18+

    People Viewed this Deal

  • SALE

    Promo

    Rollover Your Old Retirement Accounts - Expert Guidance

    17+

    People Viewed this Deal

  • SALE

    Promo

    Personalized Financial Advice - Real People, Real Guidance

    18+

    People Viewed this Deal

  • SALE

    Promo

    Open an IRA with No Minimum Balance

    17+

    People Viewed this Deal

  • SALE

    Promo

    Shop Financial Planning Tools and Guidance Now

    17+

    People Viewed this Deal

  • 4%

    OFF

    Promo

    3.30% APY on Personal Cash - No Fees

    19+

    People Viewed this Deal

Frequently Asked Questions

Where do I enter a promo code or referral link?

Empower's financial planning and advisory services don't run checkout style discount codes. Any referral or promotional link is entered at signup, before you link accounts or open an account.

Can I combine multiple offers?

Empower's advisory pricing is based on your account tier and balance, not stackable discount codes, so there isn't a "combine offers" mechanic the way there is at a retail store.

Is Empower free to use?

The Personal Dashboard, Investment Checkup, Retirement Planner, and Fee Analyzer are free for anyone who links their accounts. You only pay if you sign up for Empower's paid advisory service.

How much does Empower's advisory service cost?

Fees are charged as a percentage of assets under management and decrease as your balance grows across the Personal Strategy, Wealth Management, and Private Client tiers. Empower publishes a full fee schedule on its site since the exact rate depends on your account size and agreement.

Do I need $100,000 to use Empower?

No, the free tools have no minimum. You need at least $100,000 in investable assets to qualify for Empower's paid Personal Strategy advisory tier.

Is my information safe with Empower?

Empower uses bank level encryption to protect linked account data, the same standard used by online banking. Advisory accounts are also covered by SEC registration requirements for Empower Advisory Group.

What if I want to cancel?

You can unlink accounts or close an advisory account at any time by contacting Empower directly. The free dashboard tools remain accessible even if you never open a paid account.

Saving Guide

Start with the free tools before you commit to anything:

Link your accounts to the Dashboard and run the Fee Analyzer first. It's common to find you're paying more in hidden 401(k) fees than Empower's advisory fee would cost.

Book the free portfolio review:

It costs nothing and gives you a professional's read on your current allocation, useful even if you decide not to become a client.

Watch the tier thresholds:

Because the fee percentage steps down at $250,000 and again at $1,000,000, consolidating outside accounts onto the platform can sometimes move you into a lower effective rate.

Stay inside the free trade allowance:

Empower brokerage accounts get 1,000 commission free online trades a year, so infrequent traders can avoid trading costs entirely.

Choosing the Right Tier

Just want visibility, not advice:

The free Dashboard alone covers net worth tracking, spending, and retirement projections without ever paying a fee.

Have $100,000 to $250,000 invested:

Personal Strategy gives you a managed ETF portfolio and advisor access without the higher minimums of the top tiers.

Have complex, multi-account finances:

Personal Strategy Wealth Management and Empower Private Client add more dedicated advisor time, which matters more once your accounts and goals get complicated.

How We Verify Coupons

Tested Before Publishing

We manually test codes at checkout to confirm the advertised discount applies.

Clear Offer Conditions

We list minimum spend, eligible items, expiration dates, and other restrictions.

Backed by Screenshots

We capture checkout screenshots to show the savings confirmed during testing.

Updated Daily

We review offers daily, recheck reported codes, and remove expired or invalid coupons

See Our Full Verification Process

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